The Research On Wealth Management Business Development Under The Interest Rate Market

Commercial banking revenues and profit structure has been changed the way theinterest rate market Wealth management business as the main representative offinancial services products, services, methods, has started to become a commercialbank restructuring, accelerate the transformation of the main direction. Scale high networth crowd gradually promotes the formation of a large market of high-endcustomers, providing a broad market for the development of the wealth managementbusiness. Commercial banks are the main institutions of high net worth wealthmanagement groups. With a large customer base, extensive distribution network,extensive financial products, many high net worth individuals choose wealthmanagement business.Interest rate market it an inevitable trend accelerated. China’s commercial banksfinancial products revenue is closely related to the market interest rates. Especiallyfor highly sensitive market interest rates will greatly affect the population of high networth clients in their investment decision-making behavior. Wealth managementbusiness competition market is diver sification. Third-party wealth managementinstitutions and financial products and the rise of networked client resources to seizecommercial banks, their unique strengths and considerable development space for thedevelopment of commercial banking wealth management business has broughtchallenges. Bank in order to achieve strategic transformation, it must be the conceptof wealth management services, banking and financial products from a single salestransformation into a customer-centric experience of integrated services.This collection of information and data, and use case analysis method illustratesthe effect of market interest rates of commercial banks. It also rates the internalmechanism of the market and financial market development. Finally, this paperpresents a proposal in the interest rate market wealth management businessdevelopment background.